Tag Archives: organizing any loose ends

Plan Today For A Safer Tomorrow

Plan Today For A Safer Tomorrow

None of us really wants to think about it, but protecting yourself and your family in the event of a tragedy or illness is a practical and necessary step to take now. When you’re going through a difficult time the last thing you need to think about is paperwork or finding those documents. Getting your house in order today will save on additional heartbreak tomorrow.

We look at some practical tips you can take to ensure that you and your loved ones are well prepared should the worst happen.

Get organized

Step one is getting your current files together in an obvious place to save on time and frustrations later down the track. If you have a stack of life insurance documents then save them in one place, clearly labeled and in a logical order. Do the same with any Wills or house deeds that might come in useful.

If you’re uncomfortable leaving them out in an unprotected space then place them in lockable storage but be sure to let loved ones know where the keys are. To really beef up their security, consider electronically scanning them and adding them to your computer, backed up of course on to an external source such as cloud storage. Like the keys, make sure your family is able to access the relevant passwords and knows where on your computer they’ll be able to find the files when needed.

A gentle reminder at this point: if you haven’t got around to making a Will and let’s be honest a great many people don’t, then now’s the time to have a chat with a legal advisor on how to get this remedied. Your next of kin might be obvious but a Will serves to take away any doubt or worry from your loved ones at what you intended to do with your money or property.

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Image courtesy of Pixabay

Get advice

If you’re facing other tough times in your life then the best thing you can do is share the burden and not try and shoulder the problem alone.

When your relationship looks like it might be unraveling and you’re not sure where you stand legally on your property or entitlement to income, rather than stress about it get in touch with a divorce lawyer. You’re not committing yourself to any course of action with a consultation, just figuring out what you’re entitled to and where you stand in case the relationship can’t be patched up and both parties decide to part ways.

Your partner too will benefit from having this knowledge in order to make, what is often a very painful process, as straightforward as possible.

As mentioned previously, consult a lawyer to get your Will in good shape while you’re thinking about any possible divorce proceedings.

If you’re going through an illness or accident, then take some time to find out what, if any, compensation or insurance payouts you might be entitled to.

Too many of us assume we won’t be entitled to anything, only to miss out on a cash injection when we need it most.

If you are someone who runs their own business then look into cover that will continue to pay you an income if you’re unable to work for a period of time. Make sure that you fully understand the terms of any legal paperwork you sign and if necessary have a lawyer or financial advisor run over the small print with you, so you know what you’re signing up for.

Get ready

When you’re planning for your retirement, consider what you’ll need financially to make this time of your life comfortable and free from any worries. You might need to consider selling your home to pay for more suitable accommodation or feel like you’d want to give your children their inheritance ahead of time. Talk to a financial adviser and planner about how that works for you.

Planning for the worst might feel like you’re tempting fate but with some solid strategies in place, neither you nor your family will have to take on any more stress than is necessary.

Give yourself some peace of mind by getting organized today. Don’t be afraid to talk to friends and family about the plans you’ve made, letting them know where they can find those important documents. Seek advice from the professionals when you need to, rather than just leaving it and hoping for the best. Get those plans sorted out today and live life to the full tomorrow.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

Save Money In Your Home During The Holidays For A Comfortable New Year

Save Money In Your Home During The Holidays For A Comfortable New Year

The holidays are here, and nobody will tell you that it’s a cheap or affordable time. Many find themselves having plenty of fun over the festive season, but then feel out-of-pocket during the new year, which can be challenging; especially when the decorations have come down. You’ve probably bought a lot of your gifts by now, and your Christmas tree will already be twinkling and ensuring that your home looks as festive as possible. However, it’s never too late to, or too early, to save money, and your home is the perfect place to begin.

 

Your household is likely to be at its most cluttered during the Christmas period; this can lead to you feeling a little overwhelmed, and it might be difficult to know where to start regarding saving cash. But, once you start on your thrifty journey; no amount of tinsel or lights will be able to deter you from pulling back the spending in the other areas of your home. There are various areas and expenses that you can improve, update, and consider changing; you just need to know where to look. Putting effort into your home space now will also ensure that you have a comfortable, cozy new year ahead, knowing that you’ve saved money and can continue to do so. The following are some ideas, inspiration, and tips for those who want festive fun this Christmas, but want to save where they can to create the perfect, affordable abode.

 

Image source: https://www.pexels.com/photo/blur-christmas-christmas-decorations-christmas-lights-281978/

 

Home Maintenance

 

It’s the smooth running of a household that can often cause financial strife when things go awry. Therefore, it’s vital to keep on top of your home maintenance and ensure that you have reputable and relevant contact details should any issues arise. Take a little of your free time to write a list of the various elements of your home, from your energy bills to your guttering, and put any that might be concerning you at the top. If you’ve been putting off sorting out a job or task regarding some DIY or hiring a service to assist you; find the businesses that can help you online and get in touch.

 

You’ll be unlikely to get an appointment or be able to book a job until the new year, but knowing that they can come during the new year will be a weight off your mind, and their rates will be far lower due to it often being a quiet period for many companies. When it comes to your DIY projects; write another list; this time full of things like plaster, paint, and wallpaper that you intend to utilize in the new year. You’ll be able to pick up some bargains during the January sales, and your home renovations could end up being a fraction of what you would have spent during the summer.

 

Next should be the major things in your home, like your plumbing, gas, and electrics; if any of these fail you over the holidays, it can become a miserable and expensive time trying to get someone out to help. Therefore, it’s worth looking into affordable plumbing services or an electrician who will be on call whatever time of year or day it is. Having these service’s contact details to hand will give you peace of mind, and you’ll save cash if a pipe bursts on Christmas Eve, or if the lights go out during New Year’s Day. If you’re worrying that certain things are likely to fail you over the hectic period ahead; call someone out now to check over your systems; you could prevent issues worsening, and you’ll save the cash it would cost to fix things further down the line.

 

Bills And Admin

 

With so many people distracted by all the festivities at this time of year; now is a great time to look into your utility, insurance, and energy bills. Companies will be competing to gain your custom, so take advantage of any special rates, and utilize some time to switch your providers so that you head into 2018 already making savings that will benefit you for the rest of the year. Sorting out and organizing any loose ends regarding your admin can also save money in the long run; you might spot that your interest rate and bank account could be improved, or perhaps January will be the time to ask for a pay rise at work.

 

Making smart choices around your home and preparing for the worst will ensure that you don’t end up overspending in any eventuality, and you’ll have a relaxed and fun holiday season. Enjoy!

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.